Commercial State Bank
Wausa, NE · Cert 13819 · Peer group: banks under $1B in assets in NE (n=83) · Wausa Banshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$264.4MAssets
$218.8MLoans
$237.3MDeposits
$25.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks under $1B in assets in NE (rank 9 of 83).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in NE (rank 76 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.42%
Rank 26 of 83
Net Interest Margin
3.68%
Rank 39 of 83
Efficiency Ratio
51.14%
Rank 22 of 83
Equity / Assets
9.44%
Rank 71 of 83
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 75% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.93% | 1.20% | 1.51% | Beats 69% | 26 / 83 | | |
| Return on Equity | 15.01% | 8.04% | 10.34% | 13.11% | Beats 89% | 9 / 83 | | |
| Net Interest Margin | 3.68% | 3.25% | 3.62% | 4.02% | Beats 53% | 39 / 83 | | |
| Efficiency Ratio | 51.14% | 51.13% | 59.95% | 67.19% | Beats 75% | 22 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.00% | 0.19% | 0.96% | Beats 59% | 35 / 83 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.02% | Beats 16% | 71 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 9.64% | 10.94% | 13.24% | 16.62% | Beats 8% | 76 / 83 | | |
| Total Risk-Based Capital Ratio | 9.64% | 11.04% | 13.54% | 17.63% | Beats 8% | 76 / 83 | | |
| Equity / Assets | 9.44% | 9.90% | 11.31% | 13.84% | Beats 14% | 71 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.22% | 71.97% | 83.15% | 92.22% | 75th pctl | 21 / 83 | | |
| Loans / Assets | 82.76% | 57.96% | 69.15% | 77.64% | 89th pctl | 9 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |